Salina, KS Car Insurance

Residents of Salina pay around $48 monthly for their car insurance coverage. To learn more about what you're likely to pay in the Salina area, read our guide below.
Compared to their surrounding area, how do rates in Salina stack up? What about against the rest of Kansas? What should residents of Salina expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Salina?

Area Average Monthly Car Insurance Premium
Salina$48
KS$58
United States$80

According to the chart above, the average cost of auto insurance in Kansas is about $10 a month more expensive than it is in Salina.

When viewed against the average rates for the rest of the U.S., auto insurance coverage in Salina is rather affordable. It's about $32 cheaper than the national average to insure your vehicle in Salina.

Bear in mind that while these are the average car insurance rates for Salina, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.

Don't sweat it however, we've broken down average rates for Salina residents so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$159
18-24$80
25-34$41
35-44$39
45-54Not Enough Data
55-64$44
65+$39

Generally, the older you are, the more experienced you are on the roads. When it comes to car insurance bills, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay two times as much as someone who is retirement aged.

You can expect to see your monthly premium drop every 10 years or so. As you get closer to retirement age, however, you may see your rates climb back up in Salina.

Average Car Insurance Rates by Gender

Gender Average
Male$55
Female$45

On average, female drivers pay slightly less for car insurance than their male counterparts. The difference in average rates in Salina totals about $10 per month. Looking at the table above, you can see that female drivers pay around $45 on average, while male drivers typically pay $55 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$53
Multiple Accidents$82
1 Ticket$73
Multiple TicketsNot Enough Data

Your rates can change quite drastically depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Salina, a driving record with one accident will usually get you a rate around $53 a month. Likewise, drivers with one ticket will be looking at a rate of around $73 a month on average.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$136
2-3 Years$93
4-5 Years$27
6-7 Years$49
8-10 Years$51
11-14 Years$46
15 Years or Older$44

According to the first table above, the cheapest vehicles to insure in Salina are usually trucks and vans, at $35 per month.

SUV drivers will see rates of about $55, while the rates for car owners average out to about $46 a month.

Your vehicle's age has an impact on the cost of your policy as well. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. In Salina, the most expensive vehicles to insure are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$50
Married$38
Divorced$56
Widowed$33

More often than not, those who have settled down into marriage will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Salina as well, where the difference is around $12 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$46
Rent$43
Live with parents$49

Another factor taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $3 less than those who own their own home in Salina. But if you live with your parents, your rates will be significantly higher.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average premiums, depending on your insurance company.

Car Insurance Companies in Salina, KS

Recent trends in car insurance for Salina drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance provider.

In Salina, car insurance rates went up from 2016-2018, when they hit a high of $65. This leveled out in 2019, when insurance rates started to decrease. They reached a low of $41 in 2020, and finished up in 2021, at $49 per month.

How does Salina compare to neighboring areas?

Why are car insurance rates in Salina different from other areas?

There are a variety of factors car insurance companies take into consideration when choosing how much to charge for coverage. While we already talked about the ones that affect your personal policy, others are based around where you live. These include things like:

  • Crime levels
  • Number of car accidents
  • Laws
  • Amount of off-street parking
  • Amount of drivers in the region

You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Get started with a guide like this to get familiar with the average rates of your area.

How can I find the cheapest car insurance in Salina?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

Luckily, Compare.com has you covered. Just enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering policies in Salina in no time.

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Salina Insurance FAQs

What factors affect car insurance quotes in Salina?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.

Why is the cost of car insurance in Salina different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Salina?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Salina?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

Do I need to wait for my policy to expire to switch to a different car insurance company?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Salina or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

Find your best rate in just a few minutes